UK mortgage calculators
Quick, simple tools to help you plan. When you are ready, we will turn the numbers into a real plan that fits you.
Monthly repayments
See what you could pay each month on a capital and interest or interest-only mortgage.
Estimated monthly payment
Illustration only. Figures are estimates and are not a mortgage offer or personal advice. Lenders assess income, credit and outgoings individually.
How much can I borrow?
A quick guide to how much lenders may let you borrow based on your income and commitments.
You may be able to borrow
Some lenders go up to 5 or 5.5 times income for higher earners or certain professions. We will check which lenders fit you.
Check what I can borrowIllustration only. Figures are estimates and are not a mortgage offer or personal advice. Lenders assess income, credit and outgoings individually.
Stamp Duty calculator
Work out Stamp Duty Land Tax on a home in Northern Ireland, including first-time buyer relief.
Stamp Duty Land Tax applies in Northern Ireland and England. Scotland and Wales have their own taxes.
Stamp Duty to pay
Based on HMRC residential rates from 1 April 2025 (first-time buyer relief up to £300,000 on homes up to £500,000; 5% higher rate for additional properties). Your solicitor will confirm the final amount.
Overpayment calculator
See how much interest and time you could save by paying a little extra each month.
Interest you could save
Illustration only. Figures are estimates and are not a mortgage offer or personal advice. Lenders assess income, credit and outgoings individually.
Loan to value calculator
Your LTV affects the rates you can get. See where you sit and what it takes to reach the next band.
Your loan to value
Illustration only. Figures are estimates and are not a mortgage offer or personal advice. Lenders assess income, credit and outgoings individually.
Buy to let yield calculator
Check rental yield and the rent a lender may need to see for a buy to let mortgage.
Gross rental yield
Illustration only. Lenders set their own rental cover and stress rates. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
How long would your money last?
If illness or injury stopped you working, how long could you keep paying the bills?
If you were signed off work, your money would last about
Income protection is designed to fill this gap until you can return to work. We will help you work out the right waiting period and amount.
Book a protection reviewA simple illustration, not advice. It assumes outgoings stay the same and no other income.
Want real numbers, not estimates?
We will look at your actual income, credit and plans, and show you what lenders will really offer.